Two Florida credit unions, Pen Air FCU and Gulf Winds FCU, both of Pensacola, are on opposite sides when it comes to grappling with card rewards in the face of the coming cap on interchange fees and the impact of overdraft regulation.

Mississippi credit unions in the flood zones appear to be “taking the right cautionary steps” to prepare for potential damage, but the big worry will be loan requests from members suffering financial losses, and that could come a month later or sooner, the state’s top CU regulator said Thursday.